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推动小额信贷扶贫不应忘记初衷,那就是解决贫困人口的金融排斥问题,并满足贫困人口的金融需求。在国际上,“小额信贷”是指针对贫困、低收入家庭及其从事的微型企业(个体工商户)提供的信贷服务。当代小额信贷发端于1970年代的发展援助和金融市场发展,形成了成熟的市场和大规模的小额信贷从业机构,有效满足了大量被排斥在传统金融机构之外的弱势群体的信贷服务需求,帮助他们获得了发展的机会,成为有效的减贫手段。其扶贫作用得到包括联合国在内
The promotion of microcredit should not forget the original intention of helping the poor solve the financial exclusion problem of the poor and meet the financial needs of the poor. Internationally, “microcredit” refers to credit services provided to poor, low-income households and the micro-enterprises (individual industrial and commercial households) that they work for. The developmental assistance and financial market development that contemporary microfinance originated in the 1970s formed a mature market and a large-scale microfinance institution that effectively met the credit demand of a large number of vulnerable groups that were excluded from the traditional financial institutions , Help them to gain development opportunities and become effective ways to reduce poverty. Its role in alleviating poverty has been extended to include the United Nations